Here’s what your SGD is worth in pesos right now, and how to make them go further 🇵🇭
Whether you’re heading to Manila, Cebu, Boracay or Palawan or sending money home, knowing the live SGD to PHP rate, where to change it, and how to dodge hidden fees can make a real difference to your budget.
As of 29 June 2026, the SGD to PHP exchange rate is 1 SGD = 47.2967 PHP, up 6.71% over the past year and near its strongest level in years. Good news if the Philippines is on your list: the peso has been on the back foot, so your SGD stretches further today than it did this time last year.
This guide covers live SGD to PHP rates, what counts as a good rate, where to change money in Singapore and the Philippines, and which payment method gives you the best deal when you’re actually spending pesos.
🔄 Skip the money-changer queue and spend pesos at the wholesale rate with YouTrip. No hidden fees, no markup.
⚡️ TL;DR: SGD to PHP at a Glance
| Highlights | Details |
|---|---|
| SGD to PHP rate today | 1 SGD = 47.2967 PHP (29 June 2026) |
| 1-year change | +6.71% over the past year |
| 5-year change | +10.51% over five years |
| What is a good rate? | Anything above 47.00 is strong; above 47.50 is great |
| S$100 in pesos | ~4,730 PHP at today’s rate |
| Best way to spend pesos | YouTrip card — wholesale rate, zero FX fees |
| Best money changers (SG) | People’s Park, Mustafa Centre, Lucky Plaza |
| Best in the Philippines | Licensed changers in Manila/Cebu malls — not the airport |
| Always avoid | Airport counters (Changi and NAIA) and bank exchange counters |
📚 Table of Contents
- SGD to PHP Exchange Rate Today
- SGD to PHP Quick Conversion Table
- SGD to PHP Chart & Historical Trend
- What Is a Good SGD to PHP Exchange Rate?
- Why Is the Singapore Dollar So Strong Against the Peso?
- Where to Change SGD to PHP in Singapore
- Is It Better to Change Money in Singapore or the Philippines?
- The Best Way to Spend Pesos: Cash, Card, or YouTrip?
- Sending Money Home to the Philippines
- How Much Money Should I Bring to the Philippines?
- FAQs
SGD to PHP Exchange Rate Today
Image Credits: Google Finance
As of 29 June 2026, the live SGD to PHP rate is:
- 1 SGD = 47.2967 PHP
- S$100 = 4,730 PHP
The SGD is up 6.71% against the peso over the past year. A year ago, you’d get around 44.32 pesos per dollar; today it’s above 47, and the rate has been climbing steadily through 2026.
After a brief flash dip to around 40.50 in the middle of last year, the SGD has pushed up to near its 1-year high of ~48. Good timing if you’ve got a Philippines trip coming up.
💡 Pro tip for Singaporean travellers: Use YouTrip to spend pesos at the wholesale rate and skip the bank markup on every transaction.
SGD to PHP Quick Conversion Table
Here’s what your Singapore dollars are worth in pesos at today’s rate, handy whether you’re budgeting a trip or sending money home.
| SGD Amount | PHP |
|---|---|
| S$1 | 47 PHP |
| S$10 | 473 PHP |
| S$50 | 2,365 PHP |
| S$100 | 4,730 PHP |
| S$500 | 23,648 PHP |
| S$1,000 | 47,297 PHP |
| S$2,000 | 94,593 PHP |
| S$3,000 | 141,890 PHP |
PHP amounts based on ~47.30 PHP = S$1 (mid-market, 29 June 2026).
Going the other way? If you’ve got pesos to change back, here’s what they’re worth in SGD
| PHP Amount | SGD |
|---|---|
| 1,000 PHP | ~S$21 |
| 5,000 PHP | ~S$106 |
| 10,000 PHP | ~S$211 |
| 50,000 PHP | ~S$1,057 |
| 100,000 PHP | ~S$2,114 |
SGD amounts based on ~47.30 PHP = S$1 (mid-market, 29 June 2026).
SGD to PHP Chart & Historical Trend
Image Credits: Google Finance
| Time Frame | High | Low | Change |
|---|---|---|---|
| 1 Year (Jun 2025–Jun 2026) | ~48 (May 2026) | ~44 (Jul 2025) | +6.71% |
| 5 Years | ~48 (May 2026) | ~40.50 (mid-2025) | +10.51% |
| All-Time (MAX) | ~48 (May 2026) | ~40.50 (mid-2025) | +10.51% |
The trend has run firmly in the Singapore dollar’s favour. The SGD spent years trading in the low-to-mid 40s against the peso, then broke higher through late 2025 and into 2026, peaking near 48 in May before settling around 47.30. So while there’s no perfect rate, today’s level sits close to the strongest the pair has seen — a friendly backdrop for anyone heading over or remitting pesos home.
What Is a Good SGD to PHP Exchange Rate?
| Rate (1 SGD = X PHP) | Rating | What It Means |
|---|---|---|
| 47.50 and above | 🟢 Excellent | Near recent highs — change now |
| 47.00–47.49 | 🟡 Good | Around today’s rate (~47.30) — a strong time to change |
| 45.00–46.99 | 🟠 Average | Below today’s rate — typical market conditions |
| Below 45.00 | 🔴 Weak | Near recent lows — wait if you can, or use YouTrip for fee-free access |
Right now at ~47.30, we’re firmly in Good territory, and not far off the 47.50 “Excellent” mark. The thing to remember is that the headline rate you see on Google is the mid-market rate — the one banks and changers use between themselves. What you’re actually offered will be a little lower, so use the mid-market number as your benchmark and judge any quote against it.
Why Is the Singapore Dollar So Strong Against the Peso?
It’s less that the Sing dollar has surged and more that the peso has been under steady pressure. A few things have driven the gap:
1. A wide trade deficit. The Philippines imports far more than it exports, which means constant demand for foreign currency and steady downward pressure on the peso.
2. Lower interest rates at home. As Bangko Sentral ng Pilipinas (BSP) has eased rates to support growth, the peso has become less attractive to hold versus higher-yielding currencies.
3. A firm Singapore dollar. The Monetary Authority of Singapore (MAS) manages the SGD against a basket of currencies and leans towards a gradually appreciating bias, which keeps it sturdy against most of the region.
4. Periodic US dollar strength. When the greenback firms up, emerging-market currencies like the peso tend to soften, while the SGD holds up far better.
⚠️ Worth knowing: The peso is heavily supported by remittances from overseas Filipino workers, which cushions it but doesn’t reverse the longer-term slide against stronger currencies like the SGD. For Singaporean travellers, that’s been a quietly good thing — your money goes further than it did a couple of years ago.
Where to Change SGD to PHP in Singapore
Prefer to carry some physical pesos? These Singapore money changers are worth heading to for competitive SGD to PHP rates:
| Location | Area | Notes |
|---|---|---|
| People’s Park Complex | Chinatown | One of the largest money-changer clusters in SG; competitive rates |
| Mustafa Centre | Little India | Open 24 hours; solid rates on most currencies |
| Lucky Plaza | Orchard Road | Long-time hub for the Filipino community; easy to compare PHP rates |
| The Arcade | Raffles Place | Popular with CBD workers |
| Parkway Parade | Marine Parade / East | Convenient for East-side residents |
| Alternative: YouTrip | Mastercard ATMs in PH | Up to S$400 in free overseas ATM withdrawals every month! *2% fee applies thereafter |
💡 A note on pesos: Smaller money changers don’t always stock large amounts of PHP, so it’s worth calling ahead or checking a comparison site before you head down. Lucky Plaza, given its long-standing Filipino community, is usually a reliable bet.
⚠️ Skip Changi Airport: Airport money changers consistently offer the poorest rates. Change in the city before you fly, or skip cash altogether and withdraw pesos from an ATM when you land.
Is It Better to Change Money in Singapore or the Philippines?
| Method | Change in Singapore | Change in the Philippines |
|---|---|---|
| YouTrip card 👑 | Spend directly in PHP at the wholesale rate, zero FX fees — tap anywhere Mastercard’s accepted | Same wholesale rate, zero fees; withdraw pesos from ATMs as you go |
| Money changer | Good rates at People’s Park, Lucky Plaza | Good rates at licensed changers in Manila/Cebu malls |
| Bank counter | Avoid — high markup | Avoid — high markup |
| ATM withdrawal | N/A | Withdraw with YouTrip (free up to S$400/month) |
| Airport counter | Avoid — poor rates at Changi | Avoid — poor rates at NAIA |
Our take: For cash, you’ll often get a slightly better peso rate at licensed money changers in Manila or Cebu malls than at the airport or a bank, but the margins are thin and carrying a lot of cash isn’t ideal. If you’re using YouTrip, it doesn’t really matter where you are: you spend in pesos at the wholesale rate with no FX fees, and withdraw cash from an ATM when you need it.
The Best Way to Spend Pesos: Cash, Card, or YouTrip?
Honestly? A mix. Here’s how to split it smartly:
- YouTrip card (best for most payments). Use it for hotels, malls, restaurants, Grab rides, dive shops and tours. The Philippine peso isn’t a currency you can pre-load into your YouTrip wallet, but you don’t need to: when you tap to pay in pesos, Smart Exchange™ converts from your SGD balance at the live wholesale rate, with zero FX fees. That beats a bank card’s 2–3.25% markup every time.
- Cash (pesos). The Philippines is still very much a cash economy outside the big malls and hotels. Carry pesos for jeepneys and tricycles, sari-sari stores, market stalls, island ferries, and tips. Withdraw from an ATM with YouTrip rather than changing a big wad upfront.
- Credit card. Avoid standard Singapore credit cards for peso spending unless yours waives FX fees. Most charge 2–3.25% on every transaction, and that adds up fast over a trip.
The sweet spot: carry enough cash for the small stuff, and let YouTrip handle everything that takes a card. You’re always on a great rate, and you’re not walking around with thousands of pesos in your bag.
💡 About GCash: You’ll see GCash QR codes everywhere in the Philippines, since it’s the local go-to e-wallet. The catch is it really needs a Philippine mobile number and bank account to set up, so most short-term visitors can’t rely on it. Plan around cash and your YouTrip card instead, and treat GCash as a bonus only if a local helps you sort it out.
💡 Pro tip: ATMs in the Philippines usually charge their own withdrawal fee (commonly around 250–300 PHP per transaction) on top of anything your card adds. Withdraw larger amounts less often to keep those flat fees from stacking up.
Sending Money Home to the Philippines
If you’re remitting rather than travelling (say, working in Singapore and sending money to family back home), you don’t need to deal with cash at all. YouTrip does overseas transfers to the Philippines and 40+ other countries at the wholesale exchange rate, straight from the app.
- You send in SGD, they receive in PHP at the live wholesale rate, with no money-changer spread or airport queue.
- The rate matters more on bigger sums. On a single remittance of a few hundred dollars, even a 2–3% gap is real money. Sending at the wholesale rate keeps more of it with your family.
- Time it if you can. With the SGD near multi-year highs against the peso, each Sing dollar is currently buying more pesos than it has in a while, a decent backdrop for sending money home.
For one-off travel money you’ll still want some pesos in hand, but for regular transfers home, moving it digitally at the wholesale rate beats changing cash every time.
How Much Money Should I Bring to the Philippines?
How much you’ll need depends on where you’re going: Manila and resort islands like Boracay run pricier than provincial areas. Here’s a rough daily guide:
| Travel Style | PHP/Day | SGD/Day (est.) | Examples |
|---|---|---|---|
| Budget | 2,000–3,500 PHP | ~S$42–74 | Hostels, carinderia meals, jeepneys and ferries |
| Mid-range | 5,000–8,000 PHP | ~S$106–169 | 3-star hotels, sit-down meals, Grab, island tours |
| Luxury | 12,000+ PHP | ~S$254+ | Resorts, fine dining, private boats and diving |
Estimates only. Resort islands (Boracay, El Nido, Siargao) and Manila run higher than provincial areas.
Didn’t get to change money before your trip? No stress. Just withdraw pesos from an ATM with your YouTrip card when you land. You get free withdrawals of up to S$400 in foreign currency per calendar month, with a 2% fee after that.
FAQs: SGD to Philippine Peso
As of 29 June 2026, 1 SGD = 47.2967 PHP (mid-market), up about 6.7% year-on-year. Always check the live rate before you change money, since it moves daily.
At today’s rate, S$1,000 ≈ 47,300 PHP. A year ago (~44.32), the same S$1,000 would have got you around 44,320 pesos, so you’re better off today.
Anything above 47.00 PHP per SGD is strong, and 47.50+ is great. At ~47.30 today, you’re in a good window. Compare any quote against the mid-market rate, since that’s the benchmark.
It’s mostly the peso softening rather than the SGD surging, driven by the Philippines’ trade deficit, lower domestic interest rates, and periodic US dollar strength. The SGD, managed by MAS with a gradual appreciating bias, holds up well across the region.
For cash, compare rates at hubs like People’s Park, Lucky Plaza or Mustafa Centre. For spending, YouTrip gives you the wholesale rate with no FX fees, and no money-changer trip needed.
Yes. You can’t pre-load a peso wallet (PHP isn’t one of YouTrip’s holdable currencies), but you can tap to pay in pesos anywhere Mastercard is accepted, and Smart Exchange converts at the live wholesale rate. You also get up to S$400 in free ATM withdrawals each month, with a 2% fee after that.
For cash, licensed changers in Manila or Cebu malls often edge out Singapore by a small margin. For card spending, YouTrip gives you the wholesale rate with no FX fees wherever you are. Avoid airport counters on both ends.
Day to day, moves are small, usually a fraction of a percent. Over months it adds up: the SGD is up nearly 7% on the peso over the past year. If you’ve got a trip booked and the rate’s strong, there’s little to gain from trying to time it perfectly.
Easier done inside the Philippines before you fly home. In Singapore, Lucky Plaza and People’s Park are your best bet for selling pesos back. Expect a slightly worse rate than when buying, which is the normal spread.
Other Currency Guides:
Off somewhere else after the Philippines? We’ve got live-rate guides for the most-searched pairs:
💜 YouTrip Exchange Rates | 🇯🇵 SGD To JPY | 🇲🇾 SGD To MYR | 🇹🇭 SGD to THB | 🇺🇸 SGD to USD | 🇪🇺 SGD to EUR | 🇨🇳 SGD to CNY | 🇰🇷 SGD To KRW | 🇮🇩 SGD to IDR | 🇦🇺 SGD To AUD | 🇻🇳 SGD To VND | 🇳🇿 SGD to NZD | 🇹🇼 SGD To TWD | 🇭🇰 SGD to HKD | 🇬🇧 SGD to GBP | 🇨🇭 SGD to CHF | 🇵🇭 SGD to PHP
Ready for Your Trip to the Philippines?
And just like that, you know exactly what your SGD is worth in pesos, and how to keep more of them. With the SGD near its strongest in years, now’s a good time to go.
💜 Not on YouTrip yet? YouTrip lets you hold 12 currencies and spend in 150+ countries with zero fees and no hidden charges. Sign up for your complimentary YouTrip card today with YTBLOG5 and get FREE S$5 in your account!
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Happy travels!
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- How to Send Money to Philippines
- Solo-Backpacking The Philippines In 10 Days
